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Yoco

Yoco

South African SMEs

VS

Alipay

Chinese Consumers

Alipay
Fees from
2.95% vs Custom
Features

0 shared

1 unique to Yoco · 2 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

2 shared

4 unique to Yoco · 5 unique to Alipay
On payment methods

Alipay supports 7 payment methods, 1 more than Yoco. Verify directly with each provider before signing.

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3 features · 11 payment methods · 8 regions. We don't rank these — they're here for reference.
Yoco Yoco
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
2.95%
Custom
Settlement
Time to receive funds
2 business days
Next business day
Founded
2013
2004
Headquarters
Cape Town, South Africa
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Alipay leads (2 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Alipay leads (7 vs 6)
Alipay Unique
—
✓
Amex Unique
✓
—
Contactless Unique
✓
—
Digital Wallet Unique
—
✓
Diners Unique
✓
—
Jcb Unique
—
✓
Mastercard
✓
✓
Mobile Payment Unique
✓
—
Qr Code Unique
—
✓
Unionpay Unique
—
✓
Visa
✓
✓
Regions
Alipay leads (8 vs 1)
Africa
✓
✓
Asia Unique
—
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Yoco is best when you...

South African SMEs
Need Startup Friendly
Not available with Alipay
View Yoco

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with Yoco
Need Instant Payout
Not available with Yoco
Want coverage in Asia, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
Yoco doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between Yoco and Alipay?
They share 2 payment methods and 1 region. Yoco adds Amex, Contactless, Diners Club and 1 more that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 2 more that Yoco does not list; Alipay also covers Asia, Europe and 5 more; only Yoco offers Startup Friendly.
Which is cheaper, Yoco or Alipay?
Yoco has published rates from 2.95%; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Yoco and Alipay?
Yoco lists 1 region and 6 payment methods; Alipay lists 8 and 7. both cover Africa. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Yoco and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; Yoco settles in 2 business days, Alipay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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